Incentive award programs to promote the sale of products and services of others via targeted discount programs, retail coupon programs, and retail incentive awards; promoting the sale of goods and services of others by awarding discounts and discount coupons for debit and credit card use; administration of a discount program for enabling participants to obtain discounts on goods and services though use of credit cards and debit cards; promoting the goods and services of others through the distribution of targeted discounts by direct marketing for consumer goods and services; Business marketing services, namely, loyalty marketing, incentive marketing, targeted marketing, and target marketing